System and method for identity and reputation score based on transaction history

Abstract

Techniques for electronic signature process management are described. Some embodiments provide an electronic signature service (“ESS”) configured to manage electronic identity cards. In some embodiments, the ESS generates and manages an electronic identity card for a user, based on personal information of the user, activity information related to the user's actions with respect to the ESS, and/or social networking information related to the user. The electronic identity card of a signer may be associated with an electronic document signed via the ESS, so that users may obtain information about the signer of the document. The ESS may also generate a trust score for the user based on activity information related to the user's actions with respect to the ESS and/or other factors. The trust score may be used to recommend authentication mechanisms to use with respect to electronic signature transactions.

The invention claimed is: 
     
       1. A method to facilitate a digital transaction, comprising:
 accessing, by a computing system:
 activity information including data referencing a previous electronic signature transaction associated with a user of an electronic signature service comprising a plurality of servers, the electronic signature service comprising an agent executed by the computing system; and 
 identity information including data referencing a government identification of the user, an image of the government identification having been uploaded by the user; 
 
 determining, by the agent of the electronic signature service, a trust score for the user based on the activity information and the identity information; and 
 in response to the trust score being above a trust score threshold, generating, by the agent of the electronic signature service, for display on a display device coupled to the computing system, an indication that the user is a trusted user in association with a new electronic signature transaction associated with the user via the electronic signature service. 
 
     
     
       2. The method of  claim 1 , wherein the government identification was uploaded by the user to a database, and wherein the identity information is accessed from the database. 
     
     
       3. The method of  claim 1 , wherein the trust score is determined further based on one or more of: a number of sending events in which the user is a sender, a type of sending events in which the user is a sender, a frequency of sending events in which the user is a sender, a number of authentication methods used by the user in sending a document, and a type of authentication methods used by the user in sending a document. 
     
     
       4. The method of  claim 1 , wherein the trust score is determined further based on one or more of: documents uploaded by the user to the electronic signature service, documents sent by the user via the electronic signature service, and documents signed by the user via the electronic signature service. 
     
     
       5. The method of  claim 1 , wherein the trust score can be increased by the user providing a valid email address to the electronic signature service, linking a social network account associated with the user with the electronic signature service, and verifying an identity of the user with the electronic signature service. 
     
     
       6. The method of  claim 1 , wherein the new electronic signature transaction is associated with an authentication method selected based on the determined trust score. 
     
     
       7. The method of  claim 1 , wherein the new electronic signature transaction is associated with a warning selected based on the determined trust score to a second user associated with the new electronic signature transaction. 
     
     
       8. A non-transitory computer-readable storage medium storing executable instructions that, when executed by one or more processors, cause the one or more processors to perform operations comprising:
 accessing activity information including data referencing a previous electronic signature transaction associated with a user of an electronic signature service comprising a plurality of servers, the electronic signature service comprising an agent executed by the computing system; 
 accessing, by the agent of the electronic signature service, identity information including data referencing a government identification of the user, an image of the government identification having been uploaded by the user; 
 determining, by the agent of the electronic signature service, a trust score for the user based on the activity information and the identity information; and 
 in response to the trust score being above a trust score threshold, generating, by the agent of the electronic signature service, for display on a display device coupled to the computing system, an indication that the user is a trusted user in association with a new electronic signature transaction associated with the user via the electronic signature service. 
 
     
     
       9. The non-transitory computer-readable storage medium of  claim 8 , wherein the government identification was uploaded by the user to a database, and wherein the identity information is accessed from the database. 
     
     
       10. The non-transitory computer-readable storage medium of  claim 8 , wherein the trust score is determined further based on one or more of: a number of sending events in which the user is a sender, a type of sending events in which the user is a sender, a frequency of sending events in which the user is a sender, a number of authentication methods used by the user in sending a document, and a type of authentication methods used by the user in sending a document. 
     
     
       11. The non-transitory computer-readable storage medium of  claim 8 , wherein the trust score is determined further based on one or more of: documents uploaded by the user to the electronic signature service, documents sent by the user via the electronic signature service, and documents signed by the user via the electronic signature service. 
     
     
       12. The non-transitory computer-readable storage medium of  claim 8 , wherein the trust score can be increased by the user providing a valid email address to the electronic signature service, linking a social network account associated with the user with the electronic signature service, and verifying an identity of the user with the electronic signature service. 
     
     
       13. The non-transitory computer-readable storage medium of  claim 8 , wherein the new electronic signature transaction is associated with an authentication method selected based on the determined trust score. 
     
     
       14. The non-transitory computer-readable storage medium of  claim 8 , wherein the new electronic signature transaction is associated with a warning selected based on the determined trust score to a second user associated with the new electronic signature transaction. 
     
     
       15. A computing system to facilitate a digital transaction, comprising:
 a hardware processor; and 
 a non-transitory computer-readable storage medium storing executable instructions that, when executed by the hardware processor, cause an agent, of an electronic signature service, that is installed on the computing system to perform steps comprising:
 accessing activity information including data referencing a previous electronic signature transaction associated with a user of the electronic signature service; 
 accessing identity information including data referencing a government identification of the user, an image of the government identification having been uploaded by the user; 
 determining a trust score for the user based on the activity information and the identity information; and 
 in response to the trust score being above a trust score threshold, generating for display, on a display device coupled to the computing system, an indication that the user is a trusted user in association with a new electronic signature transaction associated with the user via the electronic signature service. 
 
 
     
     
       16. The system of  claim 15 , wherein the government identification was uploaded by the user to a database, and wherein the identity information is accessed from the database. 
     
     
       17. The system of  claim 15 , wherein the trust score is determined further based on one or more of: a number of sending events in which the user is a sender, a type of sending events in which the user is a sender, a frequency of sending events in which the user is a sender, a number of authentication methods used by the user in sending a document, and a type of authentication methods used by the user in sending a document. 
     
     
       18. The system of  claim 15 , wherein the trust score is determined further based on one or more of: documents uploaded by the user to the electronic signature service, documents sent by the user via the electronic signature service, and documents signed by the user via the electronic signature service. 
     
     
       19. The system of  claim 15 , wherein the trust score can be increased by the user providing a valid email address to the electronic signature service, linking a social network account associated with the user with the electronic signature service, and verifying an identity of the user with the electronic signature service. 
     
     
       20. The system of  claim 15 , wherein the new electronic signature transaction is associated with an authentication method selected based on the determined trust score.